direction, to say that disclosure matters, we need better information in the market, but in addition dennis is a key part of having a functioning market. -- fairness is a key part of having a functioning market. having a standard is eight -- will allow this to occur, and having this issue by an agency which for the first time has its main goal and focus to benefit consumers is also a novel set of regulations and a novel paradigm. this is your first significant mortgage rule, and we congratulate you. the microphone works this time. thanks for the question period is a very important one. one of the things that we advocated for in the lead up to the crisis were for regulators to adopt a set of rules that would apply across the market's very broadly. we were seeing a very grave difference between loans that were being originated and the subprime -- in the subprime market verse is the prime market. . versus the prime market. what we wanted were unified standards applicable across the board to all mortgages so that we could help standardize the mortgage experience for consumers but also insure ba